Salon Insurance Checklist
Describe the services performed in each chair or treatment area so the insurance conversation reflects your actual salon.
Online quotes depend on eligibility and underwriting.
Let’s talk insurance.
List the services, not just the business name
- Write down each hair, beauty or skin-care service offered and any treatment you plan to add.
- Describe who performs each service, including employees and people renting space or chairs.
- Separate product sales from treatments and note services provided away from the salon.
Gather premises and equipment details
- Keep the lease’s insurance requirements with your premises details.
- List equipment, fixtures and stock, including items belonging to someone else.
- Prepare staffing and payroll information and explain how space-sharing arrangements work.
- Note requests for certificates from a landlord, event venue or other business.
Questions to discuss before adding a service
- Does the policy describe each treatment we perform?
- How do the policy terms address treatment-related allegations and customer injuries?
- What insurance responsibilities should each party clarify when renting a chair or sharing space?
Keep this list with your business records and update it when your work changes. Your answers give the insurance conversation a concrete starting point; the checklist does not determine which policy you need.
Keep exploring
- Hair salon insurance guidance
- Nail salon and esthetician guidance
- Professional liability
- General quote checklist
- Certificate of insurance guide
- Annual review checklist
Bring your questions to Mithril1. Coverage depends on the policy, its terms and the circumstances of a loss.
Further reading: SBA business insurance guide.